Associate, Portfolio Management

JOB SUMMARY

• The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team

RESPONSIBILITIES

Strategy

• Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure riskier assets in the book. 
• Proactive, comprehensive and timely credit analysis through BCA renewals, portfolio monitoring,  quarterly performance reporting, waiver and amendment requests and documentation of credit events
• Ability to analyse Risk/Return analysis and optimise profits (own portfolio as well as Directs (as applicable)). Recommendations to be based on forward looking risks (driven by CG downgrades and hence incremental Credit losses, stress tests,etc)
• Ability to support on packaging deals with the distribution / securitisation teams for Funded/Unfunded Risk Participations or synthetic sell downs (eg. CLOs)
• Ability to work closely with Stressed Assets Group and the respective Global credit markets product to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions
• Actively support in managing the GCM loan portfolio returns by minimising ECLs (overall ECL to be within the Budget set for Financing Risk)
• Monitor LGD benefits remains in line with the benefits expected during deal origination
• Support GCM’s sustainable initiative including managing manual inputs on CRR5201a

Business

• Proactive, comprehensive and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events;
• Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual and external risks; 
• Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis; 
• Evaluation of security, including parental support; 
• Evaluation of project company management and strategy;

Processes

• Monitoring, review and reporting (where required) of covenanted items;
• Quarterly portfolio reporting;
• Portfolio Risk/Return analysis and profit optimisation
• Timely response to portfolio related queries to other areas in the Bank; 
• Accurate and timely responses to ad hoc reporting requests;
• Ensure that credit files are complete and maintained to an auditable standard.
• Timeliness and quality of credit analysis; 
• Protection of the credit risk profile of the portfolio when making recommendations to credit; and
• Timeliness and accuracy in reporting.
• Active participation in projects which will impact upon the GCM Portfolio
• Compliance with Bank policy and procedures

Governance

• Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role.
• Responsible for delivering ‘effective governance’; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner.

Regulatory & Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
• Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
• Lead the PAM team to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Financial Crime Compliance; The Right Environment. 
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

• Credit Risk, GCM Business Partners, Loan Syndications, Audit

Other Responsibilities

• Embed Here for good and Group’s brand and values in PAM team globally;
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures

Our Ideal Candidate

• 3 + Years of experience with credit analysis and evaluation and understanding of risks
• Experience in Risk Mitigation & Financial Analysis
• Experience in Financial Modelling
• Written and oral communication skills

Tagged as: Financial Markets